A flood is an overwhelming experience. But taking quick action will put you back in control of your home and your life.

Step One

Report your claim to-

The Flood Insurance Agency
Information we will need from you:       

  • Date of Loss
  • Description of Loss
  • Your contact information including temporary address for you if you are not able to stay in your home
  • Phone number where you can be reached during the evening
  • Your email address

An adjuster will be assigned within 48 hours.  In cases of widespread flooding it can take longer. While you are waiting to be contacted by an adjuster begin step two.

Step Two

Separate Your Property: Your policy requires you to separate damaged property from undamaged property. But don’t throw anything away before an adjuster has seen it, unless local law requires you to. In that case, take photos of the property before disposing of it and keep samples for the adjuster to see. (For example, cut out a piece of wall-to-wall carpet.) Do all you can to protect undamaged property. However, prior to signing an agreement/contract with a cleaning, remediation, or maintenance contractor, you should consult with your flood adjuster or flood insurer concerning coverage.
Review FEMA’s Claims Handbook for further information and instruction about the claims process.  Even though your policy is not issued through FEMA, the Lloyds Policy is the same as the FEMA policy and is settled the same.
Claims Handbook:

Important Tips:

  • If waters rise in your house before you can leave safely, move to the highest level necessary— even the roof. Take extra clothing, your radio, a flashlight and, if possible, food.

  • If you have time, turn off electricity at your breaker or fuse box and close the main gas valve; get valuables (furs, jewelry, important papers) to a higher level; fill bathtubs, sinks and plastic soda bottles with water. (Sanitize tubs and sinks with bleach, rinse and then fill); and bring outdoor possessions (lawn furniture, grills, etc.) inside or tie them down securely.

  • Keep away from downed power lines and any other electrical wires— electrocution is always a major cause of death in floods.

  • If you hear hissing or smell gas, leave immediately and call the gas company. Using your home phone or cell phone inside the house could spark an explosion.

Resource Links:

Prepare, Plan, Stay Informed

Replacing your important papers:

Helping Pets

Mold, Moisture and Your Home

How Do I Find A Place to Stay?

How Do I Find My Family?

Disaster Assistance